We work with high net worth clients. We act for individuals, families, professionals, business owners, retirees and pre-retirees, and companies engaged in the agriculture and fishing industries, among others.

Investable asset size is just one of several factors involved when we enter into a new relationship. Accordingly, we welcome the opportunity to talk with young professionals with whom we can build a robust client partnership offering long-term wealth building opportunity and significant potential asset growth.

Latest news

Keeping you up-to-date & informed

Sources of income in retirement (2)

Once you have determined your retirement objectives, you need to consider the sources of income to support them.

February 16, 2017

This is the second of a three-part commentary about an issue central to the financial well being of our friends in Nova Scotia approaching retirement age.

Like many Canadians, you probably have investments within a Registered Retirement Savings Plan (RRSP or RRSPs) that you have built up over the years.

Now, as retirement approaches, you may want to start withdrawing that money. What follows is some clarity about the issues involved.

You may access your RRSP savings at any time, but under current tax law you may keep the RRSP money tax sheltered until the end of the year that you turn 71. Once you withdraw any funds from the plan they will be fully taxed. With personal RRSPs you have three choices:

Read More…

Geopolitical and policy noise stalls market trends

Here's what we're thinking

February 14, 2017

Year-to-date major stock indices have grinded out healthy gains amidst generally tight trading ranges and low volatility (S&P500: +2.4%, TSX: +1.3%, MSCI EAFE: +3.3%). In fact, the equity implied volatility index (better known as VIX) hit a near-10 year low on February 1st at 9.97. The quiet that has fallen over markets stands in stark contrast to the growing uncertainty and unpredictability in the stance of the new U.S. administration on key policy issues such as geopolitical alliances, import tariffs, immigration, tax cuts, infrastructure spending, etc. In particular, political momentum seems to have waned recently as the President’s popularity suffers from recent controversial actions and comments which are weighing on tax reform prospects (a key to market expectations for stronger earnings growth this year and next). As well, investors are contending with rising geopolitical risks in Europe with nationalists, hoping to follow Britain out of the EU, leading in polls heading into elections in the Netherlands (March) and France (April).

Read more…

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Scotia Wealth Management Portfolio Advisory Group

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Your team

Discover the basic principles that we follow

The Ritcey Team – supported by our Wealth Specialists who offer financial, tax, insurance, estate planning and private banking services – our team consists of two dedicated wealth management professionals who have worked together as partners for almost 20 years, David Ritcey and Kate Whynot.

David J. Ritcey

Portfolio Manager

After completing Bachelor of Science and Bachelor of Business Administration degrees from Acadia University, Dave has been with Scotia Wealth Management for the past 25 years. As a licensed Portfolio Manager, Dave has the discretion to make investment decisions on a client’s behalf should a client desire to fully delegate day-to-day portfolio management. He is one of very few Scotia Wealth Management advisors across Canada to have this capability. Read More…

(902) 678-0048 ·   Email David · Connect on LinkedIn

Kate Whynot

Senior Associate

After graduating from Acadia University with a Diploma in Business Administration, Kate began her career at Scotia Wealth Management in May of 1998. She joined The Ritcey Team in July of 1998 and brings with her a broad knowledge of investments and superior skills in servicing clients. Kate handles all administrative issues and assists in the maintenance, and review of client portfolios. Read More…

(902) 678-3285 ·   Email Kate · Connect on LinkedIn

Team of specialists

What we do

We are strategic wealth managers

We offer our clients a uniquely personal wealth building experience based on direct contact with an accessible, competent, and motivated team.Below is a summary of just a few of the services we offer through Scotia Wealth Management.

Wealth management

Wealth ManagementPortfolio development and investment management are crucial elements in wealth building. But they only represent part of the story. We are strategic wealth managers. This means that we consider the total implications of wealth building, from financial and tax strategy, to insurance, estate planning, legacy creation, wealth transfer and more. All are ultimately connected. We can help you see the total picture.

Tax planning*

Tax planningYou worked hard to earn your money and you want to see as much of it as possible work for you. Building and protecting your wealth requires a careful look at your overall financial situation, particularly your own personal circumstances and the tax implications of your investments. By structuring the right mix of investments you can pay less tax and ensure you are receiving optimal risk-adjusted returns. Let us advise you.

Retirement planning

Retirement planningFor some people, retirement means having the financial flexibility to change your daily routine without worrying about your finances. For others, it means sitting back and doing all the things you have wanted to do but never had the time to do. Starting today, we will help ensure that you reach your retirement goals and objectives, based on careful planning and the best possible counsel and advice. Let us help you get going.

Estate planning

Estate planningEstate planning is about life – in the present and in the future. Most importantly, estate planning is about the life of your family, your loved ones and the peace of mind you get from helping to provide for their financial security. Whether your estate is large or of modest value, your estate plan should be part of your total financial strategy and based on solid financial planning principles. We’re here to help. Estate planning is offered through Scotiatrust.

Contact us

How to get in touch with our team

1 Webster Street, Kentville, Nova Scotia, B4N 1H4, Canada

David J. Ritcey · (902) 678-0048 · Email David
Kate Whynot · (902) 678-3285 · Email Kate

The Ritcey Team - Scotia Wealth Management Kentville

The Ritcey Team - Scotia Wealth Management Kentville
The Ritcey Team - Scotia Wealth Management Kentville
The Ritcey Team - Scotia Wealth Management Kentville